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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,717 | $72,177-20.0% | $115,038-49.8% | $59,633-3.2% |
| Participation rate | 48.1% | 72.6%-24.5pp | 81.4%-33.3pp | 68.7%-20.6pp |
| Annual return | -3.86% | 12.02%-15.9pp | 26.14%-30.0pp | 2041.45%-2045.3pp |
| Employer contribution / active EE | $2,345 | $2,841-17.5% | $4,608-49.1% | $2,203+6.5% |
| Participant deferral / active EE | $4,505 | $4,783-5.8% | $6,026-25.2% | $3,192+41.2% |
| Admin fee / account holder | $1,811 | $4,927-63.2% | $8,175-77.8% | $4,297-57.8% |